When purchased online. Can you buy gift cards with a credit card? With this information, you will have a good basis to make your decision when selecting your credit cards in Germany. Your online payments are fully secured, with the extra 3D Secure security layer. What are the restrictions for paying with an instant Mastercard Gift Card? All Rights Reserved. One applies almost always online for the credit card. Particularly good are the free Visa Cards of DKB and Comdirect. How can I check my prepaid virtual Mastercard balance? Information on MASTERCARD BIN numbers. Such topics are not within our purview, so probably other websites might be able to help you better. Strangely, one cannot withdraw cash free of charge at ATMs with the DKB Platinum MasterCard and even the foreign transaction fee applies! The foreign currency fee is only 2,5%, and cash withdrawals have a 4,95 euro fee per ATM withdrawal. high-quality card with embossing quick and easy online application English website and customer service, 69,90 euros one-time issuing fee 19,90 euros yearly fee 0,9% recharging fee via SEPA bank transfer 9,95 euros / month if inactive after 12 months 5 euros / cash withdrawal in Germany and abroad 2,75% foreign currency fees. When you pay with direct debit, your options for recalling the payment are a lot slimmer. Hi Tanja, I have worked in Germany in 2008 -2011, and opened in DB Gold Master Card. This pleases the credit card companies, because it is their business model. But, there are some limitations there, as well. From TransferWise to only Wise but the services grow! 1.Open the Wallet/App on your device. Sometimes, these are even foreign companies. You have money questions. Sorry we are a specialized web portal regarding the best German direct banks, so we hardly ever write about local bank branches. Full-color logo. It's low cost and requires no effort from you - all you need to do is enter a few details. We are an independent, advertising-supported comparison service. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 2.Follow the on-screen instructions, including entering your card number manually or taking a picture of your plastic card. This article contains affiliate links. Order online and once your information has been verified, you'll receive your Card in the mail within 7-10 business days. 7 days, 7 emails! Recharging via bank transfer is free of charge. Report inappropriate content zed1958 (Dan) San Diego. Whoever is willing to pay an overpriced annual fee for a platinum card, will get it. What do you recommend in this situation? Besides that, Barclaycard belongs to the best providers. Just buy the card and activate it to use it anywhere anytime. You can find a variety of prepaid cards online that can be used internationally. Dear Tanja, The Prepaid MasterCard Gift Card allows recipients to make their purchases online without needing a bank account or worrying about overspending. That is called a Pre-paid instrument, which is effectively digital cash. We cannot and do not want to support all of them. In this case Tanja prefers ING-DiBa. Often, foreign credit card companies operate according to the US-American model. Hi, The merchant does not accept Mastercard Debit Cards or Discover Cards. The Miles & More Credit Card Blue World of Lufthansa. DKB-Cash Visa Card (2.49 per month) DKB-Cash Visa Card is a serviceable card with lots of optional insurance packages, making it perfect for people who are just getting started with credit cards and want to take the slow approach. In retail or online shopping, the cards are used to pay for purchases. Purchase physical Gift Cards and eGift Cards online today in just a few easy steps. Regarding the acceptance and rejection politics of offers that we do not actually know, we cannot give you any reliable information. Are you aware of how much you have learned about credit cards in Germany today? International transfers for real estates (purchasing/selling), How to open a bank account in Germany (via Internet), Open Current Account in Germany! Prepaid Mastercard Gift Cards sometimes get declined for one of the following reasons: You tried to use it for a recurring bill, subscriptions or reservation, which put a hold on the available funds for up to 30 days. However, one cannot pay everywhere with a credit card and sometimes one can find signs stating Card payment possible from Euro 10 in the stores. We only focus here on some of the very best (from our subjective point of view). The card is sold in Germany through Points of Sales and can be activated online on the Joker Card website. I have 300 euro debt, but this month I cannot pay it. You could also use American Express cards and Discover cards with the Diners Club logo though fewer locations accept them. It works like this: Take advantage of the credit limit between 90 up to 95% and pay the amount back on time. Your Mastercard eGift Card cannot be used for recurring bill payments, memberships, subscriptions, hotel or car rental reservations, withdrawing cash from ATMs or in these prohibited countries. Pure credit card companies (Kreditkartengesellschaften) are often foreign companies, who have a license in Germany. At Barclaycard, one can train the credit line from sixth month of customer relationship. Could you recommend me the cheapest DE prepaid card, which non-German citizens/residents can get. The Mastercard Black&White Card is an awarded high-quality prepaid credit card with no annual fees. The card reader and the cashier do not pay attention to the colour of the card. There's no points earning system in Germany, nor is cash back a thing. Open a business account online in Germany for an abroad company, Account system for self-employed persons in Germany. Also, you will receive an IBAN. they're reminded of who gave it to them, reinforcing a positive connection between with your brand. Purchase gift cards in denominations ranging from $10 to $500. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. The Black&White Prepaid Mastercard comes with an online banking account, that you can use on any device. As previously described, banks earn money through the use of the credit card, even if the cardholder does not know about it and it does not appear on the card statement. When it comes to prepaid credit cards in Germany, I couldnt find one card without fees. What you didnt plan for, however, was your card not working at the majority of ATMs abroad. Mastercard eGift Card (Email Delivery) Mastercard. Can I do it? A one-time $5.95 purchase fee applies at the time of purchase. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. 0.3.% of sales. The term prepaid credit cards is a contradiction in itself, as a previous money deposit on the credit card account has nothing to do with a loan. Second question, I have applied for DKB and gebuhrenfrei and got rejected although I have been living in munich since 3 years. Online loans in Germany tested and the benefit for you! Log into your MyPrepaidCenter account to check your card details and transaction history at any time. Skip to Content Erik Gutwasser is Division President Mastercard Nordics and Baltics and a member of Mastercard's European Leadership Team. We value your trust. Both is free of charge with the free DKB Visa Card. most?) 5460 - Berliner Bank (Germany),Mint MasterCard Credit Card and Capital One UK 546259 - The Governor And Company Of The Bank Of Ireland EUR IRL DUBLIN 2 546286 - Dexia banka Slovensko,a.s. Purchase gift cards in denominations ranging from $10 to $500. The contactless payment using credit cards will increase in the next years in Germany. 2. I always used to pay stores with credit cards and splitted in the number of instalments I wanted. The reasons for needing a prepaid credit card are not any different as to why it is good to have a regular credit card. Skip to Content *The Mastercard Wildlife Impact gift card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Maestro cards are used widely in Austria, Germany and the Netherlands, and much less everywhere else. This motivates us to create even more useful sites for interested readers! Ive tried several LT cards, UK card, also paypal.. the same problem. Mastercard. thank you for your nice posting! I am looking for a Girokonto together with Debit Master card or Debit visa. Credit Cards in Germany It is somewhat confusing that the word "credit card (Kreditkarte)" in Germany is used as a synonym for the Visa card or MasterCard. Get a better Dundle experience with the new app! Sometimes we can assist with challenges regarding the cards and accounts that we monitor but we cant and dont want to render legal advice. Thank you sssoooooo much. Both prepaid cards and gift cards are loaded with a set amount of money. apart from Deutsche Bank, of course i have two credit cards with Deutsche Bank. However, you should consider an important difference: Some providers start to calculate the expensive loan rate already on the day of the cash withdrawal and not like cashless card transactions that start after the interest-free weeks. Is it really German card? The answer: Nearby the place of residence, because one usually stays there. It is just extra money, right? Who absolutely wants to have a Platinum-card anyway, can query the PDF-application through the customer service. Whoever wants to have a credit card with credit line for cashless payments and can waive on extras, such as an insurance package, will find enough offers without having to pay for the credit card. Would that be something for you? With a regular credit card, the potential misuse might cause you more serious financial damage, depending on your cards credit limit. Do stores accept contact less cards? Choose from pink, yellow, purple or green Virtual Mastercard designs. And the service standard of American Express is at international average. 3) miles account. We know, that some people are fond of N26, and we formerly used to write about this start-up. Moneycorp Red Explorer Mastercard Card fee: None Transaction fees: None ATM fee: None Other fees: 4.99% foreign exchange fee 3. The application process takes 3 minutes. Maybe you could simply talk again to another employee of your bank? She did not call me and I paid the full amount. 1. The possibilities are endless! The credit card service of German banks is generally better. To find out more about cookies, read our Cookie policy. Any linked debit or credit card. However, your Mastercard gift card must be labeled as usable internationally because some are designed for the American market only. We sold our first digital gift card in Germany in 2014. Are travel cards still useful even if you dont travel much? Most banks require a place of residency within Germany and a regular salary payment. Usually for me is: the seller asks for how many instalments I want, then he configure the credit card machine with the total amount and the instalments I choose, and thats it, he receives all the money at once from the credit company, I pay in the number of instalments that I choose in that moment. A black credit card does not have the same meaning in Germany as in some other countries. Design your card to truly represent your brand. As another co-badging option, combined . It would probably be easiest to take a credit card of the Commerzbank, as this bank already knows your creditworthiness and your income. Probably you should check your schufa score. A sign on bonus is absolutely not a thing. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. No, your virtual prepaid card is not reloadable and cannot be transferred. There are several providers of prepaid credit cards that have an elegant black design. See Rewards Program Terms for details and restrictions. As an added bonus, Mastercard Gift Cards never expire so you can use them anytime. If you place an order on Mastercard Gift Card, you may get 30% OFF. Visa and Mastercard are widely accepted in Germany. The only requirements are: can be ordered online, possibility to transfer funds via SEPA transfer or topup with other card (like Revolut offers). Applications are subject to credit approval. The Joker MasterCard is a prepaid card, this means that prior to any use it must be loaded. Since 2012 I stay in Ukraine, my account is still valid but Id like to change Gold card with standard card due to high charges and fees. These cookies are required in order to allow you to move throughout the website and use its functionalities, such as accessing secure areas of the website. I leave in Germany and I have a permanent job contract. Hello dear forum of Deutscheskonto, I have a question about the credit card portfolio of the DKB. I read this article and tried with DKB first and then Barclays. Therefore, it is difficult to give a permanently valid overview. Activate Mastercard Debit Card Online One of the easiest ways to activate your card is to use your desktop, laptop or mobile device to log in to your bank's online portal. Hi! 1.6 out of 5 stars with 13 ratings. Every verified German bank account in combination with a virtual VIMpay Mastercard (Standard & Premium) --. Von Alex / Juni 17, 2022 / debit card, germany. $29.00. Due to the insurance conditions through credit card companies, this test often favours the financial sector. The service of prepaid credit card providers in Germany is at the international quality standard. I have been living in Germany for three years now, first as a student and now with a stable job. Thank you for your time and consideration! 8.4K views View upvotes Answer requested by Shanmuga Sundaram 3 While it sucks, when you get robbed or lose your credit card, a prepaid credit card has the advantage that the balance and possible fraudulent use is capped to the balance on the card. 5,98 euros) fee on ATM cash withdrawal in Germany 1,95% (min. That is an interesting challenge! Hi, my name is Stephanie and I am an exchange student from Australia. Our specialty por-tal mainly focuses on cards that are permanently free of charge. I am trying to find the answer to this question but there isnt any definite answer I have found yet. There have only been changes in the recent years, since modern direct banks issued credit cards free-of-charge to their customers as a standard. In combination with a free prepaid credit card that entitles you to a free cash supply, these offers will have a high demand especially among the younger clientele. Difficulties came up again and again. There are two options Deutsche Bank Activ konto or Commerzbank Aktiv konto. Yet a prepaid credit card is a great alternative or supplement for a proper credit card, as it is easy to get, especially for expats, who do not have a credit score yet. Statistically, every 80th German is a Euro millionaire which means, has assets of at least 1 million Euro (assets minus debts). Here: Viabuy. They are for our teenage grandchildren who moved there over the summer. All providers we are listing below do not check your credit score with SCHUFA, and you do not have to provide a salary statement. I wish you good decisions and a good time in Germany! Same-day delivery*. You might be able to buy a gift card at Amazon.de. 2 See Terms and Rates for New Accounts.. 3 Important information on redeeming Cash Rewards: You need to . Is it the same way in Germany? I want my comment to be discarded. I was Platinum Business customer in 2012-2013 as a summary Id like to say, what American Express Germany does best, is marketing. Standing orders > everything important that you need to know! $106.00. Thank you! 5,98 euros) +1,75% foreign currency fee on non-euros ATM cash withdrawal 1,75% foreign currency fees no English website for the prepaid card. My true charge credit card remains safe as a backup, while the prepaid credit card is in my wallet for daily use. Joker MasterCard is a product of Novum Bank Limited. Our editorial team does not receive direct compensation from our advertisers. Debit cards are the most widely used bank cards in Germany. There are more than 2,000 banks and even more card models in Germany. Prepaid gift cards by Mastercard are globally accepted, safer than cash & a perfect gift for everyone. But is it really worth the money? But that is not the subject for our special portal. I read in the price-performance-list of the DKB that there is also a DKB-MasterCard Platinum. In this guide, we will review and compare the best prepaid credit cards in Germany without a SCHUFA credit check, here is a quick summary: After reading this guide, you will have a better understanding of why a prepaid credit card is a good option, and you will be able to pick the right provider for your usage and needs.